Which card has the lower annual fee?

OneCard Metal Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

SBI Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.

Which card has the lower income requirement?

OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.

Which cards are secured (FD-backed)?

SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

OneCard Metal Credit Card vs SBI Cashback Credit Card vs SBI Card against Fixed Deposit

Honest side-by-side comparison of OneCard Metal Credit Card, SBI Cashback Credit Card, SBI Card against Fixed Deposit — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Cashback Credit Card ranks first for estimated net annual value — ahead of OneCard Metal Credit Card by about ₹2,790/yr.

OneCard Metal Credit Card vs SBI Cashback Credit Card vs SBI Card against Fixed Deposit comparison table
Feature	OneCard Metal Credit Card OneCard (BOB/FPL)	SBI Cashback Credit Card SBI Card	SBI Card against Fixed Deposit SBI Card
Annual fee	₹0	₹999	₹0
Min income (monthly)	₹15,000	₹25,000	Not stated
Top reward rate	1% cashback	5%	80% of FD value
Net annual value (moderate spend)	₹3,960/yr	₹6,750/yr	₹1,770/yr
Secured / FD-backed	No	No	Yes
Signup bonus	—	—	—

Frequently asked questions

Which card has the lower annual fee?: OneCard Metal Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: SBI Cashback Credit Card leads with an estimated ₹6,750/yr net annual value on moderate spend.
Which card has the lower income requirement?: OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
Which cards are secured (FD-backed)?: SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

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Your adjusted comparison

Feature	OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL)	SBI CardGold SBI Cashback Credit Card •••• •••• •••• 4242 Quick facts SBI Cashback Credit Card Top reward5% Annual fee₹999 Min income₹25,000/mo Tap to flip back SBI Cashback Credit Card SBI Card	SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card
Annual fee	₹0	₹999	₹0
Min income	₹15,000	₹25,000	Not stated
Top reward rate	1% cashback	5%	80% of FD value
Net value (moderate)	₹3,960/yr	₹6,750/yr	₹1,770/yr
Secured / no bureau	Standard	Standard	FD-backed
Signup bonus	—	—	—

OneCard Metal Credit Card details →SBI Cashback Credit Card details →SBI Card against Fixed Deposit details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More OneCard Metal Credit Card comparisons